Star Essentials Home Loan

No-Frills Owner Occupied Loan with Super Low Rate

  • 2.29%

    Interest rate p.a 1
    Owner Occupied
    (Principal and Interest)

  • 2.32%

    Comparison rate p.a 1,2

Up to $1,500.00 cash back on refinances3 Upfront fees waived on Purchases4

  • No Monthly or Ongoing Account Fees

  • Weekly, Fortnightly or Monthly Repayments

  • Free Online Redraws

  • Super Low Rate

  • Unrestricted Extra Repayments

  • Multiple Loan Splits Possible

  • Pay Anyone & BPAY® Available

  • Schedule Recurring Payments or Transfers

Eligibility Criteria for Cash Back

  • Owner Occupied Only
  • Principal and interest repayments only
  • Minimum loan size $250,000
  • Maximum Loan Size $850,000
  • Maximum LVR 80%
  • Refinance only
  • New Customers only (excludes borrowers refinancing from Origin Mortgage Management Services)
0-70% LVR $1,500 Cash Back
70% to 80% LVR $1,000 Cash Back

Construction loans excluded or loans introduced to Homestar by a third party.

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  • Super Low Rate

    Super Low Rate

  • Monthly Account Fee

    No Monthly Account Fee

About Homestar Finance

Homestar Finance Pty Ltd ACN 109 413 498 Australian Credit Licence Number 390 860 has been providing affordable home loans to Australian families since 2004. We are a wholly owned subsidiary of Columbus Capital Pty Ltd, an Australian private company with over $5.6 billion in loans under management.

HomestarFinance is a proud sponsor of the Sydney Thunder Cricket Team (KFC Big Bash League)

Award Winning Lender

1 Rates shown apply to new eligible owner occupied loans only, up to 80% LVR, loan amount min of $250k, up to max of $850k and at least one applicant is on PAYG employment. Rates are subject to change without notice. Existing borrowers may have different interest rates which are dependent on the rate offered to the borrower at the date when a home loan settled and any reductions or increases the lender decided to make on the existing loan over time. Accordingly, there is not one standard variable rate that applies to all Homestar home loans and existing customers can confirm their current rate(s) by logging in to internet banking or by contacting customer service. Terms, conditions, and eligibility criteria apply.

2 Comparison rates are based on a basic Homestar loan, on a $150,000 loan amount over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

3 Cashback offer is only available for new refinance applications received by 31.10.2020 and settled by 31.01.2021. Offer available on Star Essentials and Star Classic products for refinance, principal and interest loans. Only 1 cashback per borrowers initial borrowing with Homestar will be paid regardless of the number of loans involved. This offer excludes customers already within the Origin Mortgage Managers Network. The cashback will be available as a redraw 60 days after settlement. Discharge penalties will apply if you discharge the loan within 12 months of settlement.

4 Fee Waiver offer is only available on new purchase applications received by 31.10.2020 and settled by 31.01.2021. Upfront Fees waived up to the value of $250 for Valuation Fee and up to the value of $265 for Legal Documentation fee. Offer available on Star Essentials and Star Classic products for purchase principal and interest loans.

These offers are not available in conjunction with any other offer and may be varied or withdrawn if the loan application is not actioned or progressed further by the applicant or does not settle within the stated timeframe.

Other fees and charges may apply.

DISCLAIMER: Terms, conditions and eligibility criteria apply to all our loan products and features. Fees, charges and disbursements are payable. Final approval is subject to credit assessment. Information valid as at 06 October 2020 which is subject to change without notice. Third party cost(s) incurred by service provider(s) are payable and may vary or increase depending on the service provider, nature of the service and request. Any additional cost(s) are passed on directly to the applicants(s). If there is a variation or an increase, a separate quote will be provided. Please consider if the product is appropriate for your individual circumstances. If you need assistance or have any questions about a product or feature and its suitability, please contact our Loan Specialists.

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